What Does Homeowners Insurance Cover?

Homeowners insurance provides financial protection in the event that your home or its contents are damaged. It provides protection if you or a family member are held legally responsible for the injuries to others or damage to their property. It is also required by most mortgage lenders.
There are different types of insurance policies that cover your home. They range from a basic policy to those that will provide a much broader range of protection. Not all policies are equal and often vary by state.
Most homeowner’s insurance policies will cover damage caused by perils, such as fire, windstorms, hail, lightning, theft or vandalism. Typically, flood and earthquake are excluded. It's important to talk to your agent to learn what your policy may and may not cover. And for those perils that are not covered, there may be supplemental insurance you can purchase.
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